902 Ramos Dr, Lady Lake, FL 32159 Property Records

Sumter County property record for 902 Ramos Dr, Lady Lake, FL 32159

Property Summary

Property Type	Single Family Home
Details	2,004 sqft · built 1996
Lot Size	0.162 acres (7,054 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (Apr 2020)
Tax Bill	$893 (2025)
Deeds & Mortgages	Mar 2021 Transfer Apr 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`121823D12D001`

Property Details

APN / Parcel Number

Primary APN	`121823D12D001`
Alternative APNs	`D12D001` `1011461`

Interior

Building Area	2,004 sqft Living Area
Gross Area	2,644 sqft
1st Floor Area	2,004 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Custom Design
Exterior Material	Wood
Construction Type	Masonry / Concrete Block
Lot Area	7,054 sqft (0.162 acres)
View / Lot	Road
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	1 Parking Space
Porch	Screened Porch
Porch Area	200 sqft

Location & Zoning

Street Address	902 RAMOS DR
City	LADY LAKE
State	FL
Zip	32159-8770
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 THE VILLAGES OF SUMTER UNIT NO. 3 PLAT BOOK 4 PAGES 103-103A
Legal Range	23E
Legal Township	18S
Legal Section	12
Legal Subdivision	THE VILLAGES OF SUMTER
Legal Lot Number	1
Jurisdiction	SUMTER FL
Township / Civil Division	WILDWOOD
Census Block Group	2
Census Block	2021
Census Tract	910800

Owner

Source: Sumter County records, as of December 2, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	902 RAMOS DR, THE VILLAGES, FL 32159-8770
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
Apr 8, 2020	Warranty Deed, Transfer · VA Mortgage BANK OF AMERICA
Apr 14, 2017	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2020 · Amount on Record
Deed Sale	Apr 8, 2020 · Amount on Record
Prior Sale	Jan 16, 1997 · Amount on Record
Deed Document Number	202015260
Deed Book / Page	3737 / 331
Last Transfer Date	Feb 19, 2021
Transfer Doc	0039510421
Record Updated	Jun 8, 2026

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SUMTER FL
Recording Date	Mar 17, 2021
Property Address	902 RAMOS DR, THE VILLAGES, FL 32159-8770
Document Number	0039510421
Book / Page	3951 / 421
Map Reference	MB 4 PG 103&103A
Instrument Date	Feb 19, 2021
Instrument	202160014468
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	902 RAMOS DR, LADY LAKE, FL 32159-8770

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMTER FL
Recording Date	Apr 8, 2020
Property Address	902 RAMOS DR, THE VILLAGES, FL 32159-8770
Document Number	0037370331
Book / Page	003737 / 000331
Instrument Date	Mar 23, 2020
Instrument	60015260
Transaction Type	Transfer
Record Updated	Jun 11, 2020
Title Company	PENINSULA LAND AND TITLE, PENINSULA LAND & TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,680.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	902 RAMOS DR THE VILLAGES FL 321598770, THE VILLAGES, FL 32159-8770

Mortgage

Document Number	37370332
Date	Apr 8, 2020
Book Page	003737/000332
Instrument	60015261

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 7, 2050

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMTER FL
Property Address	902 RAMOS DR, THE VILLAGES, FL 32159-8770
Document Number	0032590443
Book / Page	003259 / 000443
Instrument Date	Apr 14, 2017
Transaction Type	Mortgage
Record Updated	Jun 19, 2017
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	902 RAMOS DR LADY LAKE FL 321598770, LADY LAKE, FL 32159-8770

Mortgage

Document Number	0032590443
Date	May 25, 2017
Book Page	003259/000443
Instrument	60017569

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 24, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Sumter County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Sumter County
Unified School District	Sumter County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$893.00 Homeowner's exemption Veteran's exemption	$251,280 (+5.99%)	$296,980 (+1.2%) Land $42,320 Building $254,660
2024	$893.00 (+42.88%)
2023	$625.00 (+0.16%) Additional exemption filed	$237,090 (+3%)	$293,450 (-1.78%) Land $28,220 Building $265,230
2022	$624.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$230,190	$298,780 Land $31,740 Building $267,040

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	1 (2004)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2004 · Hurricane Frances

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	VILLAGES OF LAKE-SUMTER - WTPS 1, 3, ; 5 serves 18,675 people · EPA ID FL3350942
Water Source	Groundwater
Last State Inspection	Jun 2024
Also Mapped Here	VILLAGE WATER
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 783 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: CenturyLink, Verizon.

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